How to handle postal credit cards

There are two ways to apply for a postal bank credit card:

1. You can go to the bank counter with your ID card, and the bank staff will help you complete the operation.

2. Post Bank official website application.

Advantages

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

you can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).

swiping your card while shopping is not only safe and convenient, but also a bonus gift.

special merchants who hold cards in banks can enjoy discounts.

accumulate personal credit, and add a credit record to your credit file, which will benefit you for life.

it is barrier-free to pass through the whole country, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Remarks: Credit cards are only suitable for spending credit cards, and it is best not to withdraw cash, which is very expensive and uneconomical)

Credit card spending, some credit cards taking existing points, and various discounts and lottery activities throughout the year will make you feel pleasantly surprised at all times as long as you use the card; (Most credit cards have no points for online payment, but online shopping payment is very convenient and fast)

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Environmental protection is advocated now, and paper statements can be replaced by electronic statements)

Disadvantages

The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of issuing credit cards is to make money. Once the time for interest-free repayment is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Blindly spending money by swiping a card is not like spending money one by one like paying cash. When you swipe it, you feel nothing. A few figures lead to blind spending and spending money like water.

Over-consumption of notebooks, digital cameras and smart phones should be phased in. While enjoying your favorite items in advance, you should also consider whether you can repay them.

high interest. if you can't handle your credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month shall not be less than 1% of its overdraft amount in the current month) [8]

Credit cards that need to pay an annual fee basically have an annual fee, but basically there is a policy of exempting the annual fee. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee.

Stealing a credit card is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be used to charge by password-it depends on how you manage your credit card. Of course, many people, because of their lack of experience in this field, have not cancelled their credit cards and have been re-applied for credit card overdraft by some lawless elements, which is not worth it.

Long-term malicious arrears affecting personal credit records will naturally affect personal credit records and even be blacklisted by banks. In the future, if you want to borrow money from banks to buy a house or car, you may be rejected by banks.

Cancellation Trouble CCTV once reported that a cardholder had received a bank bill several months after paying off all the debts and canceling his credit card, and the subsequent events made him miserable. This article entitled "Unclear Credit Card" exposed the disadvantages of current credit cards.

although the credit card has an interest-free period, it is only for credit card consumption. There is no interest-free period for cashing, and there is a handling fee.

How to apply for a credit card of the Postal Bank? Introduce the specific methods

1. Enter the official website of the Postal Bank to apply for a credit card online.

2. To apply for a credit card, you can go to the local postal bank outlets for on-the-spot processing.

3. To apply for a credit card, you need to be at least 18 years old, with financial ability and good credit.

how to activate the postal bank credit card

1. Log in to the postal bank official website and click "Apply for opening-credit card-credit card activation";

2. Enter relevant information, click "Activate" to enter the activation page, and fill in relevant personal and credit card information;

3. After confirming the relevant information, click the "Confirm" button; Click "Set Query Password" button to make relevant settings; Enter a new password and click "OK";

4. Your inquiry password has been set successfully, and the online activation of the credit card has been completed.

how to activate the postal credit card

1. Telephone activation

Telephone activation of the postal savings bank credit card can be divided into self-service voice activation and customer service manual assistance activation. You can choose to call the 24-hour credit card customer service hotline 4889558- choose 2- card activation, and activate the credit card through self-service voice according to voice prompts. You can also enter the telephone voice menu and select "5" other services, and then "" manual service.

II. Online banking activation

Online banking activation of Postal Savings Bank can only activate the main credit card, but not the supplementary card. The main cardholder needs to log in to the personal online banking of Postal Savings Bank to activate the credit card. After logging in, find the credit card page, select the credit card activation option, enter your credit card, valid ID and obtained mobile phone verification code, and then follow the prompts to activate, and set the transaction password and inquiry password.

operating environment:

brand model: iPhone13

system version: iOS15.3

app version: v3.1.4

iii. activation of outlets

after obtaining the credit card of the Postal Savings Bank, the cardholder can bring his ID card and credit card to the nearby business outlets for activation.

The credit card of Postal Savings Bank is a standard RMB credit card of UnionPay, which has rich functions such as overdraft consumption, overdraft cash withdrawal, installment payment, points earning, etc. Provide 24-hour customer service hotline, free bill delivery, self-deduction repayment association and other services. In addition, there are powerful functions such as exempting transaction fees for repayment in different places, free SMS reminders for large transactions, and interest-free period concessions for consumption.

the minimum available amount for application is RMB 3,, of which RMB 1,5 can be used for cash withdrawal.

Function:

The newly issued Postal Savings Bank credit card takes Ding as the design pattern, which not only shows the historical and cultural background of the postal service, strong strength, sincerity and trustworthiness, but also shows the service commitment of Postal Savings Bank to "do your best for you". The blue-green card background symbolizes peace, life and hope, and injects a relaxed, bright, convenient and fashionable concept of using cards into life. The biggest feature of the Postal Savings Credit Card is that it is free of annual fees for life. After applying for opening the Postal Savings Bank Credit Card, customers will not have to worry about the complicated annual fee reduction and exemption rules. Moreover, there are many ways to repay the credit card: the cardholder can repay through various outlets of the Postal Savings Bank, automatic transfer, self-service deposit machine, ATM machine transfer and other ways.

Application conditions:

Since April 29, you can apply at all branches of Quanzhou Branch of China Postal Savings Bank if you are at least 18 years old, meet the credit card application conditions of Postal Savings Bank and provide complete supporting materials.

how to handle postal credit cards?

the postal credit card can be handled according to the following procedures. It's just that whether or not to approve the card and the amount of the card in the end depends on the bank's comprehensive score for you.

1. Ask a credit card salesman or lobby teller to fill out the application form.

2. submit the following materials for approval by the bank.

① personal identity card;

② unit income certificate;

③ the bank flow in the last six months;

④ Personal property certificate, that is, materials that can prove personal financial resources;

note: first, confirm whether the postal savings bank in your place has started credit card business. Because the credit card business of postal banks is relatively late, there are still many cities that can't do it now.

For more information about how to apply for a postal credit card, go to: See more

How to apply for a postal credit card?

To apply for a Postal Bank credit card, you need to go to the business hall. The main card applicant is a Chinese mainland resident who is over 18 years old and under 6 years old. To apply for a master card, you need to provide a copy of the applicant's ID card and work certificate. The optional materials include any one of the financial proof and the certificate of concern for dealings with our bank.

A copy of the ID card of the supplementary card applicant is required to apply for the supplementary card. The relationship between the supplementary card applicant and the main card must be immediate family members. Chinese mainland residents who have reached the age of 16 and are under the age of 6 may apply for a supplementary card.

Extended information:

Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 43 For customers who apply for the bank's credit card for the first time, credit cards shall not be issued by automatic card issuance in the whole process. Credit card applicants should be strictly examined and strengthened in risk prevention and control under the following circumstances:

(1) leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit information system;

(3) having bad records in the credit information system;

(4) There are many credit records of bank loans or credit cards in the credit information system;

(5) The business travel card and business purchase card are handled by the company;

(6) Risk information obtained from other channels.